Card Services

Bank Card Services

Bankers’ Bank of the West (BBW) is driven to help your bank grow by providing high-quality, technology-focused, competitively priced bank card products and services. By cultivating long-term strategic partnerships with leaders in back-end processing, BBW can offer the best of both worlds: the technology of a large company along with the customer service and expertise you expect from the staff at BBW. Whether your bank is looking to implement a bank card program or wants to expand your current program, we can help.

Debit and ATM Processing

Our debit processing solution combines cutting-edge technology and sophisticated security tools for detecting and preventing fraud. Features include:

A dedicated customer service and support team to help you every step of the way.
A cohesive, reliable debit card transaction processing solution that supports PIN-secured, signature debit, contactless, mobile wallet, and EMV cards with 99% uptime.
Processing options for controlling transaction authentication and authorization.
Online management and authorization capabilities that put card issuance, card activation, transaction history, and “executive view” analytical tools at your fingertips.
Robust fraud-prevention tools for building a strong layer of security and enabling you to set and administer authorization strategies in real time.
Online reporting functions that provide access to a variety of reports and support your ability to manage your portfolio efficiently.

Merchant Services

Not all merchant programs are created equal. So choosing the right one is an important first step for your bank. You want a program with a proven track record of delivering high-quality customer service not only to your bank but also to your merchants. You want a partner that will work with your bank to provide customized marketing as well as ongoing training. Listed below are just some of the benefits and services Bankers’ Bank of the West can provide:

Program features
NO Hidden Fees
24-hour merchant approval
Optional bank identification
Next-day settlement of funds available
24/7 technical support
Acceptance of Visa®, Mastercard®, Discover®, and American Express® automatically included
Credit, signature debit, PIN-based debit, EBT, fleet, e-commerce, card-not-present, digital, electronic check, and contactless acceptance
Customer information management, business-to-business, recurring and installment billing, digital invoicing, and gift and loyalty cards acceptance
E-commerce/card-not-present fraud protection services
Online merchant/bank access to transactions, deposits and statements
PCI compliance portal/support
Robust account management
Full back-office operational management
Complimentary price analysis
Online bank resource center
Bank print/digital/visual marketing assistance
Specialized bank training team
Solution decision-making assistance based on business needs
Back-office monitoring and servicing by BBW staff is included, and risk reports are reviewed daily
The community bank generates revenue and maintains a strong relationship with the merchant, who benefits from BBW’s expertise and support

PCI Complaint/EMV
Processing Solutions
Multi-functional payment solutions
Full business management point of sale options
Multiple mobile processing solutions
E-commerce gateways
Android™-based, virtual, wireless, and simple terminals
Digital payments including Apple Pay® and Google Pay™
Real-time and advanced fraud decisioning
Software and third-party app integrations
E-commerce/card-not-present fraud protection services
Online merchant/bank access to transactions, deposits and statements
PCI compliance portal/support
Robust account management
Full back-office operational management
Complimentary price analysis
Online bank resource center
Bank print/digital/visual marketing assistance
Specialized bank training team
Solution decision-making assistance based on business needs
Back-office monitoring and servicing by BBW staff is included, and risk reports are reviewed daily
The community bank generates revenue and maintains a strong relationship with the merchant, who benefits from BBW’s expertise and support

E-commerce Fraud Protection and Card-Not-Present Payment Guarantee

The time and expense spent on Card-Not-Present (CNP) fraud chargebacks is a huge burden for many merchants. Even worse, the fear of fraud can result in 3% of legitimate transactions being declined.

Bankers’ Bank of the West offers a CNP payment guarantee solution to help your merchants eliminate fraud, increase revenue, and deliver a low-friction customer experience. These fraud protection services have been broadened to support community banks and their e-commerce merchants selling goods and services online. The payment guarantee can be deployed to all CNP sectors, from digital goods and retail chains to jewelry and e-ticketing providers.

Our bank services team is happy to schedule a demo of the CNP payment guarantee solution upon request. Contact us to learn how fraud protection enables your merchants to:

Earn more revenue
Minimize cost
Reduce abandonment

Mobile Payments Solutions

The mobile payments solution offered by BBW’s merchant program empowers you to compete in your markets and retain very important commercial customers by providing them access to a powerful, easy-to-use, attractively priced payments-acceptance solution that compares favorably with the most heavily advertised mobile applications. In fact, our program is superior to others in many ways, including:

PCI Compliant/EMV, well-built, sturdy, and reliable card readers: all-in-one devices capable of reading contactless, EMV and magstripe.
BBW does not hold funds. Your merchant customer receives funds within 24 hours if auto settled before 5 p.m. Mountain time.
Online dashboard and in-app card-not-present payment processing, reporting, uploading, and tracking inventory.
Recurring billing, digital invoicing, online payment form/links processing options included.

Credit Card Solutions

Bankers’ Bank of the West offers both a community bank-controlled Mastercard® credit card program and a referral program.

Bank-Controlled Credit Card

The community bank-controlled Mastercard credit card program positions your community bank to earn revenue while you retain control of pricing and approval decisions. You design your program to meet your needs; BBW provides complete back-office service and assistance for your bank.

Our program enables you to issue Mastercard Consumer and Mastercard Business cards.

Referral Credit Card Program

The credit card solutions we offer to community banks go above and beyond in meeting cardholders’ needs. Your customers will get what they want, too: competitive rates, a range of rewards choices, and enhanced benefits.

What’s more, this card program provides your bank with the product variety, back-end support, marketing assistance, and revenue you need to succeed in your markets.

Consider this short list of features and benefits that separate these customizable solutions from other programs:

• Same-day decisions on applications submitted by 3:00 PM Mountain Time.
• Product choices within the business and consumer categories.
• Built-in community bank branding on cards.
• Several rewards program choices.
• Advanced technology features for cardholders, including mobile-optimized online account management with two-way texting and email alerts.
• 24/7 for your customers provided by knowledgeable U.S.-based customer service center agents 365 days a year.

The Executive Business Card

The Executive Business credit card is offered exclusively to banks, for bankers only. It is typically used for travel and expense reporting.

Prepaid Cards

Prepaid cards can expand your product menu and help you build customer loyalty. Choose any combination of these card options:

Gift cards
Reloadable cards
Travel cards

Contact Us

To get the information you need on any services through Bankers’ Bank of the West please contact us.